Improved Terms on Jumbo Loans | Valor Lending Group
Learn about Improved Terms on Jumbo Loans TODAY!
A Jumbo Loan is a conventional home loan that surpasses the conforming lending limits of Freddie Mac and Fannie Mae.
Discover Valor Lending Group’s New 5% California Jumbo Loans available for you TODAY!
If you’re a real estate investor, self employed, or full document qualifier we have many different loan options that will fit all of your needs.
Valor Lending Group can provide jumbo loan financing for primary residence, second homes, and investment properties.
We have helped thousands of Californians and real estate investors nationwide. There is no question too big or small that we won’t be able to help you with. We pride ourselves on our top-notch communication skills to tackle any situation that comes our way. Reach out to us today, and one of our loan officers will get back to you ASAP with advice you can trust.
We have the new 5% Down Valor Jumbo Loans!
They went away but NOW THEY ARE BACK!
Let’s take a look at your unique scenario and help you now! This is a full document, tax return loan. If for any reason you don’t qualify for this program, we have many more options and we will tailor a funding solution to your specific scenario.
The time is now to trust Valor Lending Group with your dreams of the future, so don’t wait, let us get started on a scenario for you TODAY!
What is a Jumbo Loan?
A Jumbo Loan is one that exceeds the county guidelines for conforming and high balance conforming loan limits set by Fannie Mae and Freddie Mac. (California county limits here)
Valor Lending Group has a number of full document financing solutions for purchase, refinance, and cash out Jumbo Loans, we have options that allow you to secure and maintain the luxury property of your dreams.
Why Use Jumbo Loans?
Traditional mortgage lenders require tax returns, W-2s, and paycheck stubs in order to determine monthly income. For salaried and hourly borrowers, the lenders look at gross income for qualifying purposes. But for self-employed borrowers, traditional mortgage lenders look at net income, the adjusted gross income showing on tax returns. The qualifying income is viewed in conjunction with all debts, and a debt-to-income (“DTI”) ratio is calculated. Traditional mortgage lenders would be required to have a DTI of no more that 35%, however, at Valor Lending Group our funding sources typically allow up to 50% DTI and a lower credit score and down payment requirement.
How Do You Qualify For A Jumbo Loan?
You qualify for a Jumbo Loan in the same way as a conventional or high balance loan, with full documentation, such as two years tax returns, W2s, most recent pay stubs, etc.
Valor 5% Down Jumbo Loan Programs | Highlights:
- Up to 95% Max LTV | As low as 5% down jumbo loans (Up to$2M)
- 90% Max LTV | As Low as 10% Down!
- 40-year fixed term with IO
- Max Loan Up to $30MM!! (Most lenders cap at $2M-$3M)
- Flexible Guidelines
- 15, 20, 25 & 30 Year Fixed Interest Rates
- Non-occupant co-borrower + Gift Funds
- Interest-Only with 680 + Fico
- 90% LTV cash out (Up to $1.5M)
- 2-year seasoning – short sales + bankruptcy
- 3-years seasoning – foreclosure
- As low as 600 Fico
- DTI Allowed up to 50%
- Valor boasts the very best communication, service, rates and performance in the industry
- Valor ensures the very best pricing by shopping with many direct lenders so you don’t have to!!
Who Is A Jumbo Loan Right For?
At Valor Lending Group, we have Jumbo Loans perfect for the high income and strong asset borrower who is looking to buy or refinance a luxury home in high end markets.
In addition, we also offer full documentation low rate loans, stated income loans, and hard money loans.
Advantages and Disadvantages of Jumbo Loans
1) Pros of Jumbo Loans
- Higher Loan Amounts
- Luxury Homes purchase (better schools, lower crime rates, larger homes)
- No Mortgage Insurance (for some lenders)
2) Cons of Bank Statement Loans
- Higher Interest Rates
- Lower Leverage
- Lower debt to income ratio, typically at 35% DTI
- Higher reserve requirements
- More stringent underwriting guidelines
The Bottom Line
Jumbo loans provide borrowers with the opportunity to acquire much higher value, larger homes in the most desirable communities throughout the country. Additionally, borrowers will not have to come in with the difference in cash above the conforming loan limits. When seeking these higher-end luxury homes. Not every lender offers jumbo loans, it is best to identify and partner with a jumbo loan specialist such as Valor Lending Group.
We also offer:
- Bank Statement Loans
- Hard Money Loans
- FHA Loans
- Doctor/Dentist/Vet Loans
CALL or EMAIL ME for immediate attention to your scenario!
DISCOVER VALOR’S JUMBO LOANS NOW!
Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal.
Valor Lending Group offers EVERY mortgage loan in the book!
Please do not hesitate to call on me for any scenarios.
I look forward to an opportunity to demonstrate my prompt and professional service.
**Rates and terms subject to change without notice
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